lots of times, most useful functions of the united states senate is to put a spotlight on the right question. and then explore toward some good solutions. so i believe you have clearly put the spotlight on the right question. are workers saving enough for retirement? and your focus on the retirement income deficit, and i appreciate the even-handed way you have approached the hearings. you have your own suggested idea. you opened the hearings to witnesses from all directions and that gives a chance, really, to test senator harkin's proposals as well as other proposals and hopefully come a good conclusion. i think -- i thank the witness for being here. i told him earlier i look forward to hearing what they have to say. of course, we currently the mandatory retirement plan. my instinct, my preference would be to explore what we knew -- what we need to do to beef up or strengthen our voluntary retirement plans. we regularly, troubles that corporate and union defined benefit plans have need to be careful in the changing world that we have where businesses aren't like businesses where forty or fif